1. What is difference between commercial and Islamic bank?

Islamc banking:

 The functions and operating modes of Islamic banks are based on the principles of Islamic
shariah.
 Its promotes risk sharing between provider of capital and the user of funds

Commercial banking:

 The functions and operating modes of commercial banks are based on fully manmade principles,
under state bank of Pakistan.

2. What is your car loan services?

A flexible and hassle-free financing facility that enables you to own your dream car and provides
financing up to 85% of the value of your desired car.

HBL CarLoan offers of you the freedom to choose between a fixed mark-up or a floating mark-up rate
facility to suit your personal requirements.

 Financing limit between PKR 200,000 to PKR 5,000,000 Repay within a 7 year time period (5
years for used car financing).
 Option to choose between fixed and floating rate
 Comprehensive insurance coverage and tracker arrangement through leading business partner
Dedicated after sales service

3. Your debit card services?

 Financing limit between PKR 200,000 to PKR 5,000,00. Reimburse inside a multi year timeframe
(5 years for trade-in vehicle financing).
 Alternative to pick among fixed and drifting rate
 Exhaustive protection inclusion and tracker course of action through driving colleagues
Devoted after deals administration.

Hbl offers variety of debit cards suiting your needs:

 Hbl word debit card

 Hbl gold debit card
 Hbl paypak debit card
 4. What are your Credit card limit or services?
We are providing the following credit cards

 Hbl Qatar airways creditcard

 Hbl platinum creditcard
 Hbl gold creditcard
 Hbl green creditcard

Credit card limit depend on customer salary on the bases of the persons income we provide different
multiples to the person, its may be 4,5,3 in number.

5. How you generate profit for your branch though the services you
are providing?
We generate profit though fee services, utility bills paid by people, fee collection, limitations etc and
generate revenue from them .

Second source of revenue is profitability

We maintain our core deposit or current deposit in SBP. We take deposit though customer on 0%, and
though SBP we charge profit amount on it. And in this way we generate the branch income collectively

6. What loan services your bank provided?

 House loan
 Car loan
 Credit card
 Personal loans

7. How you generate profit by giving loan?

Loan is the specific amount we give to the person, on the demand and take some security on the given
amount , it may be In the form of person guaranty, property papers etc

We taken amount by SBP on specific ratio eg; we have to pay 4% interest on the loan amount to SBP and
we give loan amount to the person n 10% interest rate. The profit we earn though loan is the ratio
between 4 and 10%. Which is 6% INDEED.
 8. IS your bank is Islamic or commercial?
Hbl is basically a commercial bank but we have a Islamic window we also provide the islamic bank
facilities or different accounts according to there rules and regulations with out charging or giving
interest on them.

9. What is HBL internet banking?

HBL InternetBanking is a safe, free and convenient way to bank with HBL. You can perform all your
transactions online such as bill payment, funds transfer etc., whenever and wherever you want to.

10. What is REPO rate and reverse REPO rate ?

O/N repo, reverse repo rates revised. The State Bank of Pakistan (SBP) Saturday increased its Policy Rate
(Target Rate) by 100 basis points to 7.50 percent from 6.50 percent. The SBP Overnight Reverse Repo
(Ceiling) rate will be at 8.00 percent, ie, 50 bps above the SBP Policy Rate.Jul 15, 2018

11. What is bank rate?

HBL 1 Year Term Deposit

Type Fixed

Rate 5.30%

Currency PKR

Rate is for a 1 year/12 month term with a minimum investment of Rs. 25,000 for the 'HBL
AdvantageAccount'

The rate of 5.30% is 0.54% higher than the average 4.76%. Also it is the highest rate for this term period
5.30 Updated Jun, 2018

Compare Habib Bank Deposit rates

Account Name Rate

HBL 10 Year Term Deposit 6.52%

HBL 5 Year Term Deposit 5.63%

HBL 3 Year Term Deposit 5.49%

 12. What is money laundering services of your bank?
A fine of $225 million has been imposed by New York State Department of Financial Services on HBL
New York Branch mainly on account of weaknesses noticed in risk management and compliance of Bank
Secrecy Act/Anti Money Laundering and inadequate screening and due diligence of the transactions
conducted by the customers. Hbl is not involved in money laundering .